The Smarter Way to lend.
From application to growth.

RANTA automates every step of the lending journey so you can onboard borrowers faster, manage risk with confidence, and scale sustainably.

1 APPLY

Borrowers apply in minutes on any device fully digital, always available.

Assisted channels QR - code Digital applications WhatsApp ✓

2 VERIFY

We verify identities and run fraud checks using AI and trusted data sources.

Liveness KYC Fraud signals Required checks

3 DECIDE

Smart scoring and rules engine make fast, accurate credit decisions.

Rules Scoring Decisioning

4 DISBURSE

Approved funds are disbursed instantly with automated workflows and notifications.

Notifications Automated workflows

5 MANAGE

Borrowers can manage repayments, view schedules, and stay on track.

Repayments Arrears Schedules Statements

6 MONITOR

Real-time insights and analytics give you complete portfolio visibility.

Real-time Analytics Portfolio visibility

Benefits

Reduced OPEX

Higher Approval
Rates

Reduced Losses

Lower default rate

Safer Loan Book
Growth

Every workflow is tailored to your credit products, policies, channels, and compliance requirements, so you get end-to-end automation without forcing your operations to fit a generic system.

Modular Lending Infrastructure,
built around you

Ranta LaaS is a configurable, modular platform you can roll out in stages. Start with what you need today and add components as you grow.

CHANNELS

Mobile
Web
QR
WhatsApp
In branch

CORE ENGINE LAYER Workflow engine, rules, decisioning, and event-driven automation

Loan Origination

Digital applications and configurable product journeys

KYC & Fraud Detection

Identity verification, fraud checks, and risk rules

Risk & Scoring

Credit scoring, rules, and risk decisioning engine

Loan Management

Disbursements, repayments, fees, and statements

Reporting & Analytics

Real-time insights, dashboards, and cohort analysis

Built-in Compliance

Policies, controls, audit trails, and regulatory reporting

DATA LAYER Unified customer data, events, and audit logs

INFRASTRUCTURE LAYER Secure, scalable, API-first cloud infrastructure

INTEGRATIONS

Core Banking
Credit Bureaus
Payments
ID Verification
DB Monitoring

Key Platform Benefits
for Credit Providers of Any Size

Power growth, reduce costs, and deliver exceptional borrower experiences with an AI-driven lending platform built for today's credit providers.

Acquire & Onboard faster

Embed a QR code or link anywhere to start the application. No existing FIS customer relationship required, enabling low-cost customer acquisition.

Give borrowers a simple digital portal to apply, upload documents, and track progress.

Scale efficiently

Automate manual tasks and reduce servicing overhead.

Add products, rules, channels, and workflows as you grow.

Track arrears, automate reminders, and improve repayment visibility.

Control & Manage risk

Run identity, fraud, affordability, and risk checks in one workflow.

Monitor portfolio health, trends, cohorts, and operational performance.

Faster Time to Market

Lower Risk

Operational Efficiency

Built to Grow

Launch new products quickly

Smarter decisions, fewer losses

Automate and scale with ease

Add, adapt, and expand

Make the Shift to Digital, Effortlessly

Digitize your lending operations from origination to collections with less effort.

We’ll show you how Ranta can automate workflows, reduce manual work, and help you manage risk more effectively.

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The Smarter Way to lend. From application to growth.